Recent global conflicts may impact your travel. If you have Avant Travel Cover and you need to make a claim, please contact QBE on +61 2 9375 4874. For emergency assistance, please call +61 2 8907 5660 or email assist@worldtravelprotection.com.

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Recent global conflicts may impact your travel. If you have Avant Travel Cover and you need to make a claim, please contact QBE on +61 2 9375 4874. For emergency assistance, please call +61 2 8907 5660 or email assist@worldtravelprotection.com.

See travel alerts

Avant Finance Life Insurance $500 eGift card Promotion Terms & Conditions

Terms and conditions

These terms and conditions (the Terms), as updated from time to time, are intended to govern the Avant Finance Life Insurance $500 eGift card Promotion (Promotion). The promoter of this Promotion is Doctors Financial Services Pty Ltd (ACN 610 510 328 AFSL 487758) trading as 'Avant Life Insurance' or Avant Financial Planning (DFS). Participation in the Promotion is subject to these Terms.

Overview of the promotion

1.   The Promotion is a promotional activity by which Eligible Participants can receive a $500 Visa eGift Card (Promotion Benefit) by purchasing an Eligible Life Insurance Policy using the Avant Life Insurance Selection Tool (LIST) service or an Eligible Life Insurance Policy recommended by an Avant Life Adviser in accordance with these Terms. Only one Promotion Benefit will be issued per Eligible Participant, regardless of the number of individual policies opened and does not apply to policy upgrades.

Promotion period

2.   The Promotion runs from 8.30am AEST Friday 20 Mar 2026 to 11.59pm AEST Friday 29 May 2026 (Promotion period). DFS reserves the right to end the Promotion at any time without notice.

Eligibility criteria

3.   The Promotion is only available to a person or practice that meets the following criteria (Eligible Participant):

        (a)    you have a current loan product with Avant Doctors' Finance Pty Ltd or with another lender arranged by Avant Doctors' Finance Brokers Pty Ltd; and

        (b)    you are not a director, manager or employee of DFS or its associated entities. Immediate family members of each of these persons are also ineligible to enter this Promotion.

Participation criteria

4.   To participate in the Promotion, the Eligible Participant must:

    (a)    apply for, be accepted for and purchase an Eligible Life Insurance Policy;

    (b)    have the cover in force no later than 29 May 2026; and

    (c)    hold the Eligible Life Insurance Policy for a minimum of 12 weeks.

5.   An Eligible Life Insurance Policy is an income protection, life cover, trauma cover, total and permanent disablement cover (TPD) or business expenses cover which:

    (a)    is available on the LIST or is recommended by an Avant Life adviser from products on its Approved Product List and

    (b)    has an annual premium over $2,000.

6.   Approved Product List includes retail income protection, life cover, trauma cover and total and permanent disablement cover from AIA, Clearview, Encompass, Metlife, MLC/Acenda, NEOS, NobleOak, TAL, One Path, Zurich, and PPS Mutual.

Promotion benefit

7.   Each Eligible Participant who meets the Participation Criteria will be issued the Promotion Benefit three months after the start date of the policy.

8.   The Promotion Benefit will be delivered by email. The email address will be the one provided by the Eligible Participant.

9. DFS shall not be liable for any loss or damage whatsoever which is suffered (including but not limited to direct or consequential loss), or for any personal injury suffered or sustained in connection with any gift cards, except for liability that cannot be excluded by law.

Other conditions

10. In participating in the Promotion, you acknowledge and agree as follows:

        i)       this offer excludes all other promotional offers;

        ii)      each Promotion Benefit must be taken as is and no compensation will be payable if an Eligible Participant is unable to use the Promotion Benefit as stated. It is a condition of accepting a Promotion Benefit that the Eligible Participant accept the conditions of use of that Promotion Benefit;

        iv)     lost, stolen, damaged or expired Promotion Benefits are not replaced nor refunded;

        v)      if for any reason any Promotion Benefit is not available it will be substituted with a prize of equal or greater value at DFS's discretion; and

        vi)     applications for life insurance may be declined or offered on revised terms, and no Promotion Benefit is payable if the policy is unable to be implemented by any underwriting decision of the life insurer or by failure of the Eligible Participant to accept the insurer's terms.

11. DFS reserves the right to change the offer conditions or end the offer at any time without notice for the purposes of facilitating the continued operation of the Promotion.

12. Life insurance products are provided by a range of life insurers and distributed by DFS. Cover is subject to full terms, conditions, exclusions and limits of the policy. Contact DFS on 1800 128 268 or visit www.avant.org.au/life/ for important information. Offer of insurance is subject to underwriting approval and acceptance by the chosen insurer on Avant's Approved Product List.

Life risk insurance products on the LIST are issued by MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096, Equity Trustees Superannuation Limited ABN 50 055 641 757 AFSL 229757 as trustee for the MetLife Australia Superannuation Fund, which is a division of the Aon Master Trust ABN 68 964 712 340, Zurich Australia Limited ABN 92 000 010 195 AFSL 232510, TAL Life Limited ABN 70 050 109 450 AFSL 237 848, Clear View Life Assurance Limited ABN 12 000 021 581 AFSL 227682 and HTFS Nominees Pty Limited ABN 78 000 880 553 AFSL 232500 as trustee of the HUB24 Super Fund, ABN 60 910 190 523.

The information provided in the LIST is general advice only. It has been prepared without taking into account your objectives, financial situation and needs. You should consider these, having regard to the appropriateness of this advice as well as the relevant Product Disclosure Statement and Target Market Determinations (available by contacting us on 1800 128 268 or at www.avant.org.au/lifeinsurance) before deciding to purchase or continue to hold these products.

The LIST will display a selection of life insurance products issued by various insurers that should not be regarded as representative of all life insurance products that may be available to you. The selection of insurers may change from time to time, is for illustration purposes only and should not be regarded as an endorsement or recommendation by DFS to take out any of the life insurance policies presented. The LIST can be used to obtain an estimate of premiums for the life insurance products compared. The provision of estimated premiums does not constitute an offer of insurance. DFS is not able to bind any insurer or ensure that any insurer sells any product to you. Accordingly, nothing on the website amounts to an offer by us or any insurer to sell any product to you or enter into any contract with you.

The LIST compares the prices and some of the features of the life insurance products. However, it does not compare all of the features or benefits of each product, nor the relevant policy coverage, which should be considered before making any decision.

13. DFS is part of the Avant Mutual Group which includes Avant Mutual Group Limited (ACN 123 154 898) and its related entities (Avant). Avant collects, uses and discloses your personal information for the purpose of conducting this Promotion as well as to communicate with you, conduct our business (including marketing, research and providing Avant products and services) and comply with the law. This may include disclosing information to overseas entities which are not accountable under Australian privacy laws. For more information, please read our Privacy Policy at avant.org.au/privacy-policy. By providing your information you confirm that you understand, acknowledge and agree to your information being collected, used and disclosed as outlined above and in accordance with the Privacy Policy, including for receiving marketing from Avant and overseas disclosures. You can contact us at any time by emailing DFS on avantlife@avant.org.au or by telephone at 1800128 268 if you have any questions or wish to change your consent. The Privacy Policy contains information about how individuals may access or correct personal information or make a privacy related complaint.

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NSW State Office AddressLevel 6, Darling Park 3, 201 Sussex Street, Sydney NSW 2000
Telephone 02 9260 9000 | Facsimile 02 9261 2921

Mailing addressPO Box 746 Queen Victoria Building NSW 1230

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In the spirit of reconciliation, Avant acknowledges the Traditional Custodians of Country throughout Australia, and their connections to land, sea and community. As a national organisation, we pay our respects to Elders past and present, of the lands on which we gather and work, and extend that respect to all Aboriginal and Torres Strait Islander peoples.

Professional indemnity insurance is issued by Avant Insurance Limited (ACN 003 707 471, AFSL 238 765) (‘AIL’). Avant Cyber Insurance cover is available to eligible Avant Practice Medical Indemnity Policy holders up to the cessation of their policy and is provided under a Group Policy between Liberty Mutual Insurance Company (ACN 086 083 605) and AIL. AIL arranges Avant Business Insurance as agent of the insurer Allianz Australia Insurance Limited (ACN 000 122 850, AFSL 234 708) and may receive a commission on each policy arranged. Life Risk Advice and the LIST provided by Doctors Financial Services Pty Ltd (ACN 610 510 328, AFSL 487758) trading as Avant Life Insurance (‘DFS’). Private health insurance products are issued by The Doctors’ Health Fund Pty Limited (ACN 001 417 527). Avant Travel Cover is available under a Group Policy between QBE Insurance (Australia) Limited (ACN 003 191 035, AFSL 239 545) (QBE) and Avant Mutual Group Limited (‘AMGL’). Avant Travel Cover is underwritten by QBE and AMGL may receive a benefit for arranging cover. Avant Finance is a registered business name of Avant Doctors’ Finance Pty Ltd (ACN 637 769 361) and licensed to Avant Doctors’ Finance Brokers Pty Ltd (ACN 640 406 784). Avant Doctors’ Finance Brokers Pty Ltd is a wholly owned subsidiary of Avant Doctors’ Finance Pty Ltd. Loan products may be provided by Avant Doctors’ Finance Pty Ltd or arranged by Avant Doctors’ Finance Brokers Pty Ltd. Credit services or assistance to which the National Credit Code applies are provided by Avant Doctors’ Finance Brokers Pty Ltd as authorised Credit Representative for LMG Broker Services Pty Ltd (ACN 632 405 504 Australian Credit License 517192). Legal services are provided by Avant Law Pty Ltd (ACN 63 136 429 153) (‘Avant Law’). Liability limited by a scheme approved under Professional Standards Legislation. Legal practitioners employed by Avant Law are members of the scheme.


Any financial product advice is general advice and has been prepared without considering your objectives, financial situation or needs and you should consider the appropriateness of that advice, having regard to those matters, and the Product Disclosure Statement or policy terms available from this website, before acting it or deciding to whether to acquire or continue to hold the product. Otherwise, the information provided on this website does not constitute legal, medical or other professional advice and Avant is not responsible for any loss suffered in connection with its use.